CBS News ran the numbers for a 48-year-old in Charlotte, N.C., ineligible for subsidies. According to HealthCare.gov, she would pay $231 a month, but the actual plan on Blue Cross and Blue Shield of North Carolina’s website costs $360, more than 50 percent higher. The difference: Blue Cross and Blue Shield requests your birthday before providing more accurate estimates.

The numbers for older Americans are even more striking. A 62-year-old in Charlotte looking for the same basic plan would get a price estimate on the government website of $394. The actual price is $634.

So not only are people having trouble signing up for Obamacare, the enrollment forms that do make it through are sometimes incomplete or duplicated when the insurance companies get them. That’s not a huge issue considering that only a few are getting through, but what happens when millions upon millions are able to sign up?